FAQ Indigo Expat, international health insurance for individuals

International health insurance Indigo Expat – FAQ

You just sent us your request for a quotation on international health insurance Indigo Expat, and we would like to thank you! Soon we will have the opportunity to exchange on your needs and expectations.

In the meantime, we advise you to have a look on the supporting pages available on this web site, to select your international medical coverage:

When should I send you the Application Form of my international health insurance?

The medical questionnaire is available for 2 months maximum. Therefore, we recommand you to send it to us

maximum 2 months in advance of the starting date of the policy

minimum 2 or 3 weeks in advance of the starting date of the policy, to manage some time available for next stages or in case your file is rejected

Do I have to send my Application Form by Post?

You can send it by post (mail), but we recommend you to scan and to send it to us by email

When do you revert to me when recieving my Application Form fully completed and signed?

We submit your Application Form as soon as possible to the Underwriting Dept to launch the underwriting process. A feedback is given within 48H to max 5 working days.

The same delay apply if any further information is requested by the Underwriting Dept concerning the medical questionnaire, for example.

Are there waiting periods available?

Yes, there are waiting periods applying on specific benefits of the international health insurance. This is always precised in the Table of Benefits. Example: 10 months waiting period apply for “Orthodontic treatment and dental prostheses”.

Why should 2 adults be enrolled to subscribe to “Maternity plan” (option for IE Classic, CFE and Welcome)?

This is a decision we made when we built up the product and we are obviously aware that the partner, when he is a male, will not be pregnant. In fact the premium corresponding to this risk is split on the 2 adults and we also cover 2 adults who have the same sex. Therefore, we can not exclude that 2 women could be concerned by pregnancy on the same policy.

Why does a waiting period of 10 months apply for the “Maternity plan” (option)?

The aim of an insurance is to cover a potential risk, not something which has already happened. Therefore, a waiting period of 10 months avoids the risk that someone who is already pregnant subscribes to an international healthcare just to have her medical expenses related to pregnancy paid by someone else. If insurers do not pay attention to this, then it could not be possible to maitain technical results and products on the long run.

How can members get reimbursement?

You can identify yourself with your personal details (name, surname, date of birth, policy n°) when contacting the Helpline or Client Services, and benefit your coverage and services.

If you have any query, you can find all contact details on your member’s card or on the last page of general conditions.

The following languages are at least available with your international health insurance: english, french, german, spanish, italian, portuguese.

Toll free numbers are aslo available in certain countries, such as France, Belgium, Luxembourg, the Netherlands, Switzerland

What is covered for vision care?

Benefits are included under the following line in the Table of Benefits ” Prescribed glasses, contact lenses and laser eye treatment, including eye examination ” (out patient) The benefit is defined in the General Conditions, as well as others are.

Extract of General Conditions available in 2016 / page 11 : “1.68 Prescribed glasses and contact lenses including eye examination refer to cover for one eye examination per Insurance Year carried out by an optometrist or ophthalmologist and for lenses or glasses to correct vision.”

What happen after I sent you my Application Form?

Please pay attention to the local regulation

Please note that subscribing to an international health insurance does not free you from the local regulations. If you are eligible to contribute to the local healthcare system in certain countries and do not have local cover in place, you may be subject to paying a tax levy.